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Customer Story
Calculating credit risk in half the timeTo stay compliant with Basel regulations, Yapi Kredi relies on SAS to handle millions of data sets.
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Article
AI in banking: Survey reveals factors for successWhat do banking executives report about their experiences with AI? Where are they focusing today? What’s working? What are their plans for the future?
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Article
Mobile payments, smurfs and emerging threatsM-payment remittances are replacing traditional banks and money services that have historically charged high fees for small transfers. Former US Treasury Special Agent John Cassara maps what he sees in the road ahead and gives advice for protecting your firm.
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Article
Insights Page
Why banks need to evolve their approach to climate and ESG riskManaging environmental, social and governance (ESG) risk is important to banks, regulators, investors and consumers – yet there are many interpretations of how to do it. To thrive, organizations must evolve their risk management practices – including those affected by ESG risk.
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Customer Story
A new banking philosophy for enhanced customer loyaltyData-driven decisions help Royal Bank of Scotland transform its organizational processes, improve employee engagement and deliver excellent customer service.
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Article
Equifax uses trended data to better qualify loan applicantsMachine learning for credit scoring has helped Equifax analyze consumer data over time to determine which borrowers are trending in a positive direction and develop a more accurate measure than credit scores.
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Article
CECL: Are US banks and credit unions ready?CECL, current expected credit loss, is an accounting standard that requires US banking institutions and credit unions to estimate life-of-loan losses at origination or purchase.
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Customer Story
Forecasting helps Wescom Credit Union save millions of dollarsWescom Credit Union increases lending decision accuracy by at least 50%.
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Customer Story
Predictive analytics empowers bank to act quickly with confidenceOTP Bank Romania can better assess risk, meet profitability targets and enhance customer satisfaction through a streamlined data mining process from SAS.
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Analyst Report
Chartis RiskTech Quadrant for Trade-Based AML Solutions 2022SAS is named a category leader in the Chartis RiskTech Quadrant for Trade-Based AML Solutions, 2022.
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Customer Story
Analytic models spotlight risky loansItaly’s Ministry of Economy and Finance uses advanced analytics on SAS Viya to quickly calculate risk on financial guarantees.
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Article
Understanding capital requirements in light of Basel IVMany financial firms are already using a popular 2012 PIT-ness methodology for internal ratings-based models. This article examines eight ways the industry is successfully using the methodology – and why this approach can bring synergies for banks, value for regulators, and major competitive advantages.
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Customer Story
Analytics provides valuable and trustworthy insights for FinTechs to seize future opportunitiesSAS helps Nova Credit efficiently develop core business bureau scorecards and models, while minimizing lending risk and improving governance.
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Article
Marketing optimization: Five lessons learned at a major US bankHow does a bank know what you need when you visit its website, open the mobile banking app or walk into the branch? For one of the largest banks in the US, the answer is marketing optimization. Here are five lessons they’ve learned.
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Customer Story
A faster, comprehensive way to manage portfolio riskBank of India uses SAS to improve risk analysis, automate processes and meet both regulatory and internal requirements.
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Customer Story
Fintech company’s rapid growth leads to consistent cloud strategyauxmoney saves resources, gains flexibility and scalability with risk management in the SAS Cloud hosted on Microsoft Azure.
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Customer Story
泰國銀行在即時管理詐欺偵測的同時也保護客戶Krungsri Consumer 使用 SAS® 詐欺管理解決方案加速發現詐欺並減少獲利損失。
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Article
Understanding capital requirementsCredit risk classification systems have been in use for a long time, and with the advent of Basel II, those systems became the basis for banks’ capital adequacy calculations. What is needed going forward is an efficient and honest dialogue between regulators and investors on capitalization.
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Article
Situational awareness guides our responses – routine to crisisMany circumstances call for situational awareness – that is, being mindful of what’s present and happening around you. The COVID-19 pandemic heightened this need, as leaders across industries used analytics and visualization to gain real-time situational awareness and respond with fast, critical decisions.
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Article
Strengthen your payment fraud defenses with stronger authenticationThe rapid growth of digital wallets and payment applications ushered in many new payment fraud threats. Today, it’s more critical than ever to authenticate users. Learn four innovative to ways strengthen your authentication defenses while reducing false positives and protecting customers’ assets.
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Article
From lab to lifeOnce you've created your analytical model, you need to put it to use. Here are tips from finance industry experts to get your models in the hands of users.
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Analyst Report
Aite Matrix: Leading Fraud & AML Machine Learning PlatformsSAS is a best-in-class vendor in the most recent AiteNovarica report, Aite Matrix: Leading Fraud & AML Machine Learning Platforms.
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Article
Online payment fraud stops hereBillions of dollars each year are lost to online payment fraud through channels that provide convenient – yet vulnerable – ways to shop and bank. See how to fight back and win with advanced analytics.
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Customer Story
Advanced analytics fuels virtual banking with data-driven decisionsAirstar Bank relies on SAS for risk-based customer due diligence, money laundering detection and comprehensive credit risk management.
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Article
Top prepaid card fraud scamsThe margin for prepaid cards is slim, so it's particularly important to root out the scams. Here are some tips for combating and mitigating prepaid card fraud.
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Customer Story
Better reporting yields better understanding of risk managementSAS Visual Analytics helps Erste Bank Croatia tackle diverse data for accurate analysis.
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Article
Under siege: Improving customer experience in bankingBanks are ranking low in customer satisfaction, but improvement is possible says Digital Banking Report owner and publisher Jim Marous.
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Customer Story
A model solutionTD Bank uses SAS Model Risk Management to stay on top of regulatory requirements, facilitate cross-functional collaboration and drive business value.
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Customer Story
Understanding the needs of banking customers in the digital economyJyske Bank uses SAS Customer Intelligence 360 to personalize customer experiences that increase profitability and create lasting brand loyalty.
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Article
How to uncover common point of purchaseBanks that want to stay ahead of CPP and contain the costs of fraud need to implement advanced anti-fraud techniques.
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Article
Detect and prevent banking application fraudCredit fraud often starts with a falsified application. That’s why it’s important to use analytics starting at the entrance point. Learn how analytics and machine learning can detect fraud at the point of application by recognizing the biggest challenge – synthetic identities.
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Customer Story
洗錢防制SAS 幫助 Landsbankinn 降低誤報率並簡化調查過程
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Customer Story
Managing risk to move faster in the marketplaceBendigo and Adelaide Bank better positioned to manage risk using SAS® Credit Risk Management solutions.
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Case Study
Thwarting disruption with strategic investments in innovationNational Australia Bank turns to innovative strategies, like hackathons, to find new solutions to emerging challenges.
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Customer Story
Cultivating a risk cultureBank of Baroda strengthens governance and fosters trust using SAS Governance and Compliance Manager.
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Customer Story
Building reliability in riskBanca Mediolanum uses SAS Viya to develop high-performing, reliable credit scoring models.
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Article
Are you good at scoring?Credit scoring is the foundation for evaluating clients who apply for a loan (or other types of exposure for the bank). It is not unusual for it to take up to 12 months to build and deploy a new credit scoring model. Reforming the process will help minimize losses, increase earnings and reduce operational risk.
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Analyst Report
Chartis RiskTech100 2023SAS is the only vendor to earn a Top 5 rank in the Chartis RiskTech100 each year since its 2005 debut. SAS also won five solution categories – Balance Sheet Risk Management, Model Risk Management, Enterprise Stress Testing, IFRS 9 and Risk & Finance Integration.
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Customer Story
Financial lender cuts third-party fraud by more than 80% with layered detectionAxcess Financial uses SAS Identity 360 to dramatically reduce fraud losses and boost customer satisfaction.
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Customer Story
Identity management is key to preventing credit fraudCNG Holdings turns to SAS analytics and machine learning on Microsoft Azure to detect and prevent fraud while providing an optimal customer experience.
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Customer Story
Low-risk strategy delivers top-level returnsBank Leumi uses SAS to achieve superior shareholder returns in a competitive environment and with high capital reserves.
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Customer Story
Nationwide reduces fraud losses by 75%The world's largest building society chose SAS to lower its fraud losses - it realized a reduction of 75%.
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Customer Story
Fast track to advanced operational risk managementBank of India uses SAS Governance and Compliance Manager for operational risk management capabilities to improve loss data quality and reporting.
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Analyst Report
SAS is a Leader in The Forrester Wave™: Real-Time Interaction Management, Q2 2022Forrester names SAS a Leader in The Forrester Wave™: Real-Time Interaction Management, Q2 2022.
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Analyst Report
IDC MarketScape: Worldwide Responsible Artificial Intelligence for Integrated Financial Crime Management Platforms 2022 Vendor AssessmentLearn why SAS is positioned in the Leaders category in the 2022 IDC MarketScape for worldwide responsible artificial intelligence for integrated financial crime management platforms.
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Customer Story
Preventing payment card fraud one transaction at a timeSAS helps Nets achieve the lowest payment card fraud levels in Europe.
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Article
4 strategies that will change your approach to fraud detectionTechnology advances are giving financial institutions a better arsenal than ever for fraud detection. Take a look at four ways to turbocharge your defenses.
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Customer Story
Advanced simulations and ‘stress-proof’ models help digital bank successfully navigate uncertain scenariosBanca Progetto relies on predictive analytics and a cloud-first approach to mitigate risk, better serve clients and plan for the future.
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Customer Story
Finland’s top retail bank applies AI to improve customer service and credit scoringS-Bank provides better customer service and faster, more accurate loan processing time using SAS Viya on Azure.
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Customer Story
Transformation of the National Bank of Greece with SAS Viya on AzureLeading Greek financial institution pursues digital transformation backed by advanced analytics to become the bank of choice for businesses and private individuals.
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Customer Story
Fast analytical defenseDeutsche Kreditbank AG combats fraud and money laundering with SAS.
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Analyst Report
SAS named Best in Class in Aite Matrix: Case Management to Combat Global Fraud and Money LaunderingAite names SAS Best in Class in Aite Matrix: Case Management to Combat Global Fraud and Money Laundering.
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Customer Story
Stopping payment fraud in real timeThe Bank of East Asia uses SAS Fraud Management for payment fraud detection and prevention.
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Article
Model risk management: Vital to regulatory and business sustainabilitySloppy model risk management can lead to failure to gain regulatory approval for capital plans, financial loss, damage to a bank's reputation and loss of shareholder value. Learn how to improve model risk management by establishing controls and guidelines to measure and address model risk at every stage of the life cycle.
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Analyst Report
SAS is a Leader in The Forrester Wave™: Enterprise Fraud Management, Q3 2021Due to faster changing patterns in payment and nonpayment fraud, risk modeling has transitioned from an annual or semiannual campaign to a continuous activity that financial institutions cannot ignore.
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Article
Risk data infrastructure: Staying afloat on the regulatory floodWhat are the challenges of a risk data infrastructure and how can they be addressed? Here's what you need to know to build an effective enterprise risk and finance reporting warehouse that will effectively address compliance requirements.
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Article
IFRS 9 and CECL: The challenges of loss accounting standardsThe loss accounting standards, CECL and IFRS 9, change how credit losses are recognized and reported by financial institutions. Although there are key differences in the standards for CECL (US) and IFRS 9 (international), both require a more forward-looking approach to credit loss estimation.
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Customer Story
Stress testing becomes competitive advantage with advanced analyticsStandard Chartered Bank uses SAS Analytics to meet stress-testing requirements and assess the effect of crisis scenarios on its future P&L and balance sheet.
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Customer Story
透過機器學習尋找最佳客戶Seacoast Bank 在 SAS Viya 上使用 AI 和 SAS Visual Analytics，提升客戶價值。
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Customer Story
Making faster, better lending decisionsLocal Government Federal Credit Union sees efficiency gains with SAS.
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Article
Data quality: The Achilles' heel of risk managementGiven the tightly regulated environment banks face today, the importance of data quality cannot be overstated. Beyond the obvious benefits of staying one step ahead of regulatory mandates, having accurate, integrated and transparent data drives confident, proactive decisions and supports a solid risk management foundation.
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Article
Should banks adopt regulations as best practices?The regulatory tsunami isn't letting up, but is there value to be gained in adopting, for instance, BCBS 239 principles?
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Customer Story
Swiss financial institution uses advanced analytics to reimagine marketing and personalize customer experiencesPostFinance turns to SAS to automate and optimize campaigns for improved offers, more effective communications and higher response rates.
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Article
Payment fraud evolves fast – can we stay ahead?Payment fraud happens when a criminal steals a person’s private payment information, then uses it for an illegal transaction. As payment trends evolve, so do the fraudsters. Banks and PSPs can fight back with advanced analytics techniques that adapt quickly to spot anomalies in behavior.
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Customer Story
Fighting financial crime through a global anti-money laundering platformBangkok Bank uses advanced analytics from SAS to meet expanding anti-money laundering requirements for global operations and ensure compliance keeps pace with dynamic regulatory frameworks.
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Customer Story
Award-winning fraud surveillance system helps largest bank in Singapore recover millions of dollarsOCBC Bank works with SAS to proactively detect and prevent fraud, using network analytics and cutting-edge surveillance techniques to monitor customer activities and transactions in real time.
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Article
Rethink customer due diligenceTo streamline compliance and protect against financial and regulatory risk, re-examine your customer due diligence processes and technologies regularly. With new analytical tools, you can monitor customer transactions or personal information in real time, and accurately segment customers by the risk they represent.
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Article
New attitudes for liquidity risk managementRecent liquidity risk shocks and regulatory pressures have highlighted the need for agile liquidity risk management and planning systems. To manage liquidity risk more strategically, banks will need the right strategy, solution architecture and IT systems – plus governance to manage the process.
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Article
Risk data aggregation: Transparency, controls and governance are needed for data quality and reportingFinancial institutions’ data aggregation and reporting techniques and systems are receiving increased attention both internally and externally. Find out how to take a comprehensive approach to BCBS principles and risk data aggregation and management.
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Customer Story
Modernizing consumer lending in VietnamVietCredit aims to revolutionize the consumer finance market with SAS.
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Interview
Data visualization: A wise investment in your big data futureData visualization technologies can help the practice of data-driven decision making really take hold. But putting data visualization software in the hands of business users? Is it crazy – or crazy smart?
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Customer Story
Transforming the consumer banking experience through advanced analyticsCIMB Singapore uses SAS Viya to enhance business operations and keep pace with changing customer needs.
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Customer Story
Preventing crime and ensuring compliance at 120 Nordic banksSDC enables small and medium financial institutions in four Nordic countries to stay compliant.
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Article
Online fraud: Increased threats in a real-time worldOnline and mobile banking is convenient for customers -- and an opportunity for fraudsters. With fraud methods constantly evolving, an analytical approach is a must for banks seeking early, accurate detection.
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Analyst Report
Chartis RiskTech Quadrant: Technology Solutions for Credit Risk 2.0 (Banking Book)This research paper is based on material originally published in the Chartis Research report Technology Solutions for Credit Risk 2.0: Vendor Landscape, 2019.
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Analyst Report
SAS is a Leader in The Forrester Wave™: Anti-Money Laundering Solutions, Q3 2022SAS Anti-Money Laundering, which helps fight money laundering and terrorist financing with AI, machine learning, intelligent automation and advanced network visualization, is named a Leader in The Forrester Wave.
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Article
Managing fraud risk: 10 trends you need to watchSynthetic identities, credit washing and income misrepresentation – these are just some of the trends to watch if you’re trying to understand how to manage fraud risk. Find out what’s on the top 10 list of trends according to experts like Frank McKenna and Mary Ann Miller.
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Article
What is a risk model?Banks use multiple models to meet a variety of regulations (such as IFRS 9, CECL and Basel). With increased scrutiny on model risk, bankers must establish a model risk management program for regulatory compliance and business benefits. Begin the planning by clearly defining what a risk model is.
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Analyst Report
dbInsight: SAS Viya is living large on AzureLearn how Azure provides the onramp to a new customer base to take advantage of SAS capabilities without having to make big enterprise software commitments.
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Article
Retail cyber risk toleranceManage your data assets just as you would any of your physical assets by putting security plans in place for any and all contingencies.
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Article
What was your data doing during the financial crisis?Financial institutions usually survive a crisis, then react to prevent it in the future. SAS' Mazhar LeGhari explains how data can help you break that cycle.
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Analyst Report
SAS is a category leader in Chartis RiskTech Quadrant for Model Risk Management, 2021SAS is a category leader in Chartis RiskTech Quadrant for Model Risk Management, 2021.
